Tavi 22 - sabanko riskebis saxeobebi

• operaciebis, organizaciisa da Sida kontrolis Sesabamisoba

samarTlebriv debulebebTan, normatiul aqtebTan, eTikis kode­
qsTan da biznesstrategiasTan;
• Sesabamisoba Sida procedurebTan;
• finansuri angariSgebebis xarisxi;
• riskis marTvis sainformacio sistemis efeqtianoba da qmedi-
Toba;
• komunikaciebis efeqtiani gamoyeneba, rac dakavSirebulia samar-
Tlebrivi riskis gavlenasTan organizaciis yvela doneze mo-
muSave TanamSromelze.
komerciuli bankis iuridiulma samsaxurma unda ganaxorcielos
banksa da sxva mxareebs Soris dadebuli xelSekrulebebis regularuli
ganxilva, maT Soris, ganxiluli unda iqnes kanonebisa da normatiuli
aqtebis gatarebis efeqtianoba, raTa Semowmdes, kvlavac moqmedebs Tu
ara amgvari xelSekrulebebiT gaTvaliswinebuli uflebebi.

22.7. reputaciis riski

reputaciis riski aris riski, romelsac, sxva faqtorebTan erTad,

iwvevs bankis operaciebTan dakavSirebiT uaryofiTi sajaro gancxade-
bebis gakeTeba an bankis uaryofiTad warmodgena.
komerciuli bankis sameTvalyureo sabWom da direqtoratma kar-
gad unda gaacnobieron bankis garkveul saqmianobasTan dakavSirebuli
reputaciis riskebis negatiuri Sedegebi, gansakuTrebiT iseTi riskis,
romelmac SeiZleba mniSvnelovani gavlena iqonios bankis finansur
mdgo­mareobaze. menejmentma aqtiurad unda imuSaos, rom daamtkicos da
Seafasos reputaciis riskis kontrolis politika.
mniSvnelovania, banks hqondes struqtura, romelsac daekisreba Se-
sabamisi uflebamosileba da pasuxismgebloba, rom kompleqsuri infor-
macia miawodos klienturasa da sxva dainteresebul pirebs, rac bankis
mier reputaciis riskis kontrolis Semadgeneli nawili iqneba.
banks unda hqondes werilobiTi politika da procedurebi, romle-
bic Seesabameba gamWvirvalobis principebs da klienturisa da sxva dain-
teresebuli mxareebisaTvis gaweuli momsaxurebis xarisxis gaumjobe-
sebis moTxovnebs, reputaciis riskis kontrolTan dakavSirebiT.
banks unda hqondes da ganaxorcielos saTanado sakomunikacio
politika, mediaSi uaryofiTi statiebis, sajaro publikaciebisa da nega-
tiuri informaciis aRkveTasTan dakavSirebiT, romelic miznad isaxavs
negatiuri tendenciebis ganviTarebas bankis winaaRmdeg. am politikam,
sxva faqtorebTan erTad, unda moicvas efeqtiani mediastrategia, rac
negatiur medias daupirispirdeba.
bankma unda ganaxorcielos reputaciis riskTan dakavSirebu-
li procedurebi da Tavidan aicilos amgvari warsuli gamocdileba,

499
 ირაკლი კოვზანაძე, გოგი კონტრიძე - თანამედროვე საბანკო საქმე: თეორია და პრაქტიკა

ramac SeiZleba mniSvnelovani gavlena iqonios bankis finansur mdgo-

mareobaze.
bankma reputaciis riskTan dakavSirebuli politika da proce-
durebi unda gaacnos organizaciuli struqturis yvela donis TanamS-
romels.
bankma unda daadginos reputaciis riski, romelic axasiaTebs
konkretul biznessaqmianobas, maT Soris, sakredito (TanxebiT uzrun-
velyofa), saxazino, sainvesticio da saoperacio saqmianobasa da mom-
saxurebas, miznobrivi dafinansebis, sainformacio teqnologiebisa da
menejmentis sainformacio sistemisa da adamianuri resursebis marTvas.
bankma unda ganaxorcielos reputaciis riskis regularuli moni-
toringi, warsulSi miRebuli zaralis gaTvaliswinebiT da am gamoc-
dilebis Sesabamisad. menejmentis sainformacio sistemas unda SeeZlos
drouli, srulyofili da zusti angariSebis momzadeba reputaciis ris-
kis Sesaxeb, rac daexmareba direqtorats gadawyvetilebebis miRebaSi.
komerciuli bankis menejmens unda esmodes, rom aucilebelia dau­
yovnebeli RonisZiebebis gatareba, raTa gadaWras klienturis nebis-
mieri problema da dava, ramac SeiZleba gazardos bankis reputaciis
riski, maT Soris, banks mudmivi kontaqti unda hqondes klienturasa da
mxareebTan da unda awarmoos ormxrivi molaparakebebi, raTa Tavidan
aicilos braldebebi da samarTlebrivi saCivrebi.

22.8. strategiuli riski

strategiuli riski aris riski, rasac, sxva faqtorebTan erTad,

iwvevs bankis strategiis susti dagegmva da cudi ganxorcieleba, bankis
susti biznesgadawyvetilebebi an bankis mier reagirebis armoxdena gare
cvlilebebze.
komerciuli bankis sameTvalyureo sabWom da direqtoratma kar-
gad unda gaacnobieron bankis garkveuli saqmianobisaTvis damaxasiaTe-
beli strategiuli riski. aq gansakuTrebiT yuradsaRebia is riskebi,
romelTac SeuZliaT mniSvnelovani gavlena iqonion bankis finansur
mdgo­mareobaze.
umaRlesi menejementi valdebulia aqtiurad imuSaos, raTa miiRos
da Seafasos strategiuli riskis kontrolis politika. sameTvalyureo
sabWom da direqtoratma unda SeimuSaon da daamtkicon strategiuli
gegma da biznesgegma (biujeti), romelic moicavs Sesabamisi samarT-
lebrivi debulebebiT gaTvaliswinebul sakiTxebs.
komerciuli bankis direqtoratma regularuli monitoringi unda
gauwios bankis Sida mdgomareobas (Zlier da sust mxareebs) da im gare
faqtorebs, romelTac SeiZleba pirdapiri an arapirdapiri gavlena iqo-
nion bankis biznesstrategiaze.
aucilebelia, komerciul banks hqondes struqtura, romelsac dae-

500